Best Cheap Auto Insurance Quotes for Drivers with a DUI in Florida

The words “affordable” and “insurance” really shouldn’t be used in the same sentence, specifically when you are trying to find the cheapest auto insurance for drivers with a DUI. To save some money, let’s teach you some of the factors that can significantly affect insurance rates, and see how we can help you shave a little off your next policy.

One of the key considerations that impact auto insurance rates is where your home is located. Cities with more crime and/or more people like Hialeah, Miami, and Miramar tend to have more expensive car insurance rates, whereas areas with less traffic congestion and claims can boast about having cheaper rates.

The table below rates the most expensive cities in Florida for drivers with a DUI to purchase car insurance in.

Prices are comparative as the specific garaging location can lower or raise coverage prices greatly.

The car, truck, or SUV that needs insurance is one of the biggest factors that determines the availablility of the best cheap auto insurance for drivers with a DUI in Florida. Vehicles with lots of speed or power, poor safety ratings, or high incidents of liability claims will cost more to insure than more economical and safe models. The list below presents car insurance prices for some of the most budget-friendly vehicles to insure in Florida.

Premium data assumes married male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in zip code location which can change coverage rates significantly.

Looking at the numbers, makes and models like the Honda CR-V, Ford Escape, Honda Odyssey, Chevrolet Traverse, and Volkswagen Jetta are likely to be the cheaper vehicles to insure after getting a DUI. Auto insurance rates will be higher anyway just due to the fact that there is more claim risk for drivers with a DUI, but generally speaking those particular models will have the lowest prices that you are likely to find.

Finding out which companies offer the lowest-priced auto insurance rates for drivers with a DUI will require a little more work in order to find the most economical policy.

Every car insurance company has their own formula for determining rates in each state, so let’s take a look at the most competitive auto insurance companies in Florida.

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USAA has some of the cheapest car insurance rates in Florida at around $957 annually. Electric, Amica, Progressive, and Travelers are also some of the most economical Florida car insurance companies.

As the example above demonstrates, if you are insured with Progressive and switched to USAA, you could earn yearly savings of approxmiately $890. Policyholders with Travelers might save as much as $969 a year, and Mercury policyholders might reduce prices by as much as $976 a year.

To find out how much you can save, click here to get a free quote or click several companies below for low rates.

Remember that these policy rates are averages across all drivers and vehicles in Florida and and are not calculated with a rate surcharge for drivers with a DUI. So the car insurance company that is best suited for you may not even be shown in the list above. That points out the importance of why you need to get auto insurance quotes using your own individual information.

How violations and accidents impact rates

The easiest way to enjoy the cheapest auto insurance premiums after getting a DUI is to be a cautious driver and not get tickets or have accidents. The illustration below shows how violations and accidents can raise yearly insurance costs for each different age group. The price estimates are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

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The data above shows the average cost of a car insurance policy in Florida per year with no accidents or violations is $1,747. Factor in one speeding ticket and the average cost surges to $1,973, an increase of $226 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for drivers with a DUI increases to an average of $4,089. That’s an increase of $2,342, or $195 per month, just for not keeping your driving record clean!

Best auto insurance company in Florida

Choosing the best auto insurance provider is hard considering how many choices there are in Florida. The company rank data listed below can help you analyze which coverage providers you want to consider buying from.

These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Florida business are not included in this list. To compare price quotes from these and other competitive companies, follow this link.

State Farm vs Allstate vs Geico vs Progressive

If you are shopping around for car insurance after getting a DUI in Florida, the companies that insure more vehicles than anyone else are State Farm, Allstate, Geico, and Progressive. Combined they have almost 50% of all car insurance policies written. The table below points out ratings for price, service, and claims, in additional to some of the optional coverages that are available for buyers.